First Area

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$38.5M

88^th percentile

Members

2,872

82^th percentile

Total loans

$17.8M

84^th percentile

Total shares

$35.4M

91^th percentile

Profitability

Return on assets

0.44%

32^th percentile

Net interest margin

3.13%

22^th percentile

Efficiency ratio

74.12%

35^th percentile

Non-interest income ratio

17.19%

76^th percentile

Capital & Risk

Net worth ratio

10.44%

18^th percentile

Delinquency rate

1.33%

34^th percentile

Net charge-off rate

0.06%

66^th percentile

Loan-to-share

50.32%

35^th percentile

Growth

Member growth YoY

-9.60%

6^th percentile

Asset growth YoY

-3.93%

20^th percentile

Loan growth YoY

4.60%

78^th percentile

Share growth YoY

-5.34%

19^th percentile

Operations

Members / branch

1,436

62^th percentile

Assets / member

$13,410

78^th percentile

Field of membership penetration

28.72%

42^th percentile

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